JP2009098986A - Electronic bond brokerage system - Google Patents

Abstract

【Task】
When multiple electronic bond recording institutions are established, the creditor terminal wants to register the electronic bond with the most desirable electronic bond recording authority, but the data format specified by each electronic bond recording authority at the creditor terminal Therefore, the electronic bond information must be processed and sent. Also, it is very complicated in practice that the creditor terminal must acquire information from the debtor terminal and maintain the information of the electronic bond recording organization that the debtor terminal wishes to settle.
[Solution]
Requests from electronic credit recording agencies to use electronic credit information from creditor terminals to register electronic credits using an intermediary system that mediates the exchange of information among creditor terminals, debtor terminals, and electronic credit recording institutions. The data format difference between the two is converged by mediating settlement information between the creditor terminal and the debtor terminal.
[Selection] Figure 1

Description

  The present invention relates to a technique for performing a payment process using an electronic bond. In particular, the present invention relates to an electronic bond recording organization that manages a ledger of electronic bonds, a creditor terminal that performs settlement with electronic bonds, and an information processing technology that supports brokerage operations relating to settlement processing of debtor terminals.

The electronic payment system that registers, assigns, and settles trade receivables in the form of electronic receivables will cause major changes in corporate payments, and new brokerage services and system needs will accompany.
As a conventional technique for solving this technique, there is Patent Document 1 below. Patent Document 1 is a content that provides notarization information only when the notary center receives approval from an approver for request information from a service beneficiary. The electronic credit information is registered, the creditor terminal approves the contents, and the electronic credit recording organization performs notarization of the approved information.

JP 2002-049590 A

However, in the above Patent Document 1, no consideration is given to the case where a plurality of electronic bond recording institutions are established.
For example, when multiple electronic bond recording institutions are established, the electronic bond recording institutions specified by the creditor terminals and the electronic bond recording institutions specified by the debtor terminals are mixed, so each of the electronic bond information is specified. It is necessary to process according to the data format. Also, it is very complicated in practice that the debtor terminal must acquire information on the electronic bond recording organization that the debtor terminal wishes to settle from the debtor terminal and maintain it in-house.

  Therefore, in the present invention, an intermediary center that mediates exchange of information among creditor terminals, debtor terminals, and electronic bond recording institutions is provided, and the mediation center uses electronic credit information from creditor terminals as a target electronic bond. Convert to the data format of the recording agency. You may make it perform the process which mediates the payment information of electronic bond recording organizations, and corrects the data specification difference of both. As a result, the creditor terminal registers the electronic bond with multiple electronic bond recording institutions using the obligor terminal information that the creditor terminal has had in the past. Can be specified each time the is approved.

More specifically, the following aspects are also included in the present invention.
An electronic bond recording institution device that is used by each of multiple electronic bond recording institutions, and registers the electronic bond information indicating the contents of the claims generated based on the transaction between the creditor and the debtor. A plurality of electronic bond recording institution devices for effecting information as electronic receivables, the creditor terminal of the creditor and the debtor terminal of the debtor are connected via a network, and between the plurality of electronic bond recording engine devices In the mediation system that mediates,
A financial institution used by the creditor, and a first electronic claim recording institution included in the plurality of electronic claim recording institutions is registered in association with the creditor and the debtor, and the debtor's A registration means that is a financial institution to be used and registers a second electronic bond recording institution for redemption of the electronic bond information in association with the debtor;
Receivable information relating to the transaction transmitted from the creditor terminal, including information for identifying a creditor of the transaction, information for identifying a debtor of the transaction, and an account receivable amount of the transaction Receivable information receiving means for receiving receivable information;
An electronic bond information generating means for generating electronic bond information by aggregating the receivable amount of the received accounts receivable information by creditor and by debtor and by a specified period;
An electronic bond information conversion means for converting the electronic bond information into a format of a first electronic bond recording institution device of the first electronic bond recording institution;
Electronic bond information transmitting means for transmitting the converted electronic bond information to the first electronic bond recording institution apparatus;
Reference destination information transmitting means for transmitting reference destination information for referring to the transmitted electronic bond information to the debtor terminal;
When the debtor terminal that has received the transmitted reference destination information accesses the first electronic bond recording institution device based on the reference destination information and approves the electronic bond information, the first electronic bond Electronic bond settlement information receiving means for receiving electronic bond settlement information related to the settlement of the electronic bond transmitted from the recording institution apparatus;
An electronic bond settlement information converting means for converting the received electronic bond settlement information into a format of the second electronic bond recording institution apparatus;
An electronic bond settlement information transmitting means for transmitting the converted electronic bond settlement information to the second electronic bond recording institution apparatus;
Payment completion information reception for receiving payment completion information from the second electronic bond recording institution device when the payment is completed in the second electronic bond recording institution device based on the transmitted electronic bond payment information An intermediary system comprising: means.
Is also an embodiment of the present invention.

In this mediation system,
The registration means registers the electronic bond recording institution device transmitted from the debtor terminal that has received the reference information at the time of the approval as the second electronic bond recording institution. An intermediary system is also included in the present invention.

In the above mediation system,
The registration means registers a monthly closing date of accounts receivable, set for each debtor terminal by the creditor terminal,
The present invention also includes an intermediary system in which the electronic bond information generating means totals accounts receivable generated between the closing date and the closing date of the previous month on the closing date of the current month.

In the above brokerage system,
The registration means is set by the creditor terminal for each debtor terminal, the monthly closing date of the accounts receivable, the payment date that is the date of payment of the electronic bond issued to the debtor terminal after the closing date, and the settlement date And register the number of days of the site, which is the number of days of electronic receivables,
The present invention also includes an intermediary system in which the electronic bond information generating means generates electronic bond information including a due date obtained by adding the number of site days to the due date as a due date.

In the above brokerage system,
The registration means registers authentication information of a representative of the electronic bond recording agency device corresponding to the creditor terminal,
The present invention also includes an intermediary system in which the electronic bond information transmitting means transmits the electronic bond information and authentication information of the agent.

Furthermore, in the above mediation system,
The registration unit registers an evaluation index value indicating a creditworthiness of a company corresponding to the debtor terminal and the first electronic bond recording institution specified based on the evaluation index value. An intermediary system is also included in the present invention.

  The present invention includes a processing method in the above-described mediation system and a program for executing the processing using the mediation system as a computer. Furthermore, a system realized by a combination of a mediation system and other devices, a method thereof, and a program are also included. Furthermore, other devices such as the first electronic bond recording device, methods and programs using these devices are also included in the present invention.

  According to the present invention, the intermediary system corrects the difference in the data specifications, so that the bond information can be managed without considering the difference in the data specifications for each electronic bond recording period.

Embodiments of the present invention will be described with reference to the drawings.
FIG. 1 shows a creditor terminal (101) for an electronic bond, a debtor terminal 1 (102), a debtor terminal 2 (103), and an electronic bond recording institution 1 that records and manages a ledger for registering electronic bond information from an intermediary system. 104) and 2 (105), electronic bond recording institutions 3 (106) and 4 (107) that register settlement account information from debtor terminals, and creditor terminals, debtor terminals and electronic bond recording institutions 1 shows a configuration of a mediation system (108) that mediates settlement processing information. It is a figure which shows the procedure from registering the accounts receivable information transmitted to the mediation system from the creditor terminal as an electronic credit and paying the settlement price from the settlement account of the debtor terminal. The processing procedure of the present embodiment will be described based on FIG.

  In the debtor terminals 1 and 2, the company attribute information and the settlement account information are registered in advance in the desired electronic bond recording institutions 3 and 4 ((1)). Accounts receivable occur when creditors deliver goods or provide services to debtors based on commercial transaction contracts. Each time a receivable is generated, the creditor terminal sends the receivable information to the brokerage system ((2)). Accounts receivable information is information including identification information of creditors and debtors, names of goods and services, accounts receivable date and accounts receivable.

  The intermediary system aggregates the accumulated accounts receivable information for each debtor terminal on the closing date preset by the creditor terminal, and the payment date specified from the creditor terminal and the payment date from the payment date to the settlement date when the final price is paid The settlement date of the electronic bond is determined according to the site (number of days) that is the number of days, and electronic bond information including the settlement date is generated. The receivable information is aggregated by adding the amounts of receivables included in the receivable information when both the creditor and debtor of the receivable information match. The brokerage system converts the generated electronic bond information from the creditor terminal to the data format specified by the electronic bond recording institutions 1 and 2 specified for each debtor terminal, and sends it to the electronic bond recording institutions 1 and 2, Register in the electronic receivables book at the electronic receivables record organization ((3)). Further, the brokerage system processes the electronic bond information into invoice information and sends it to the debtor terminals 1 and 2 ((4)).

  The obligor terminals 1 and 2 that have received the invoice information read the reference information described in the invoice, access the electronic bond recording institutions 1 and 2, refer to the registered electronic bond information, and invoice the contents. The information is collated, and the approval information and information of the electronic bond recording institutions 3 and 4 designated for settlement are registered ((5)).

  The electronic bond recording institutions 1 and 2 extract electronic bond settlement information for each debtor terminal for the electronic bond whose settlement date comes and send it to the brokerage system ((6)). The brokerage system that has received the electronic bond settlement information processes the payment information into a data format designated by the designated settlement electronic bond recording organization 3 or 4 and sends it to the electronic bond recording organization 3 or 4 ((7)).

  The electronic bond recording institutions 3 and 4 that have received the bond settlement information perform deposit processing from the settlement account of the debtor terminals 1 and 2 to the deposit account of the designated creditor terminal and send settlement completion information to the brokerage system (( 8)). Upon receiving the payment completion information, the brokerage system converts the payment completion information into the data format designated by the electronic bond recording institutions 1 and 2, and sends the payment completion information to the electronic bond recording institutions 1 and 2, In response, settlement completion processing is performed ((9)).

FIG. 2 shows a hardware configuration diagram of the creditor terminal (201), the debtor terminal (203), the brokerage system (202), the electronic bond recording organization (204), and the network (205).
The creditor terminal (201) includes a network unit (2011) and a processing unit (2012). The mediation system (202) includes a network unit (2021), a processing unit (2022), and a data storage unit (2023). The data storage unit (2023) includes a creditor terminal basic information DB (20231), a debtor terminal basic information DB (20232), an electronic bond recording organization information DB (20233), an accounts receivable management information DB (20234), and an electronic bond management information. DB (20235), electronic bond data format information DB (20236), settlement data format information DB (20237), and settlement completion data format information DB (20238). The debtor terminal (203) includes a network unit (2031) and a processing unit (2032). The electronic bond recording organization (204) includes a network unit (2041), a processing unit (2042), and a data storage unit (2043). The data storage unit (2043) includes a registered company basic information DB (20431) and an electronic bond original book information DB (20432).

  FIG. 3 shows a data table of the creditor terminal basic information DB (20231). In this data table, the creditor terminal ID (202111), company name (2021212), contact information (202313) of the creditor terminal registered in the brokerage system, and the electronic bond recording organization in which the corporate affiliation information of the creditor terminal is registered. Recording institution ID (202314) and creditor terminal ID (202315) registered in the recording institution The agent ID (202316) and password (input) when the brokerage system processes as an agent in the electronic bond recording institution Each item such as authentication information such as 202317) is recorded. In FIG. 3, the telephone number is shown as the contact information, but it is also possible to use another communication means (the same applies hereinafter). The creditor terminal basic information DB (20231) is initially registered from the creditor terminal to the intermediary system.

  FIG. 4 shows a data table of the debtor terminal basic information DB (20232). In this data table, the obligor terminal ID (202322), the company name (202323), the contact information of the debtor terminal of the sales receivable with respect to the creditor terminal ID (202321) for the brokerage system to identify the creditor terminal (20234), the creditor terminal's record institution ID (202325) set and registered by the creditor terminal for each debtor terminal, and the accounts receivable set by the debtor terminal based on the original contract that the creditor previously concluded with the debtor The closing date of the month (202326), the payment date (202327) which is the date of the electronic receivable issued to the debtor terminal after the closing date, and the number of days of the site (202328) which is the number of days of the electronic receivable until the settlement date are recorded. Initial registration of the debtor terminal basic information DB (20232) is performed from the creditor terminal to the intermediary system.

  The intermediary system may set the electronic bond recording organization set and registered for each debtor terminal by the creditor terminal using an evaluation index or the like indicating the creditworthiness of the company. An evaluation index may be an index expressed by a numerical value provided by a credit research company. By storing the electronic bond recording institution associated with the value of this evaluation index in the database in advance, when a new debtor terminal is registered in the debtor terminal basic information DB, the debtor terminal belongs to the brokerage system. It is possible to identify and set an electronic bond recording institution that is associated with a corporate evaluation index. In addition, by using a database in which each company's evaluation index is stored, the intermediary system detects that the contents of the database have been changed due to the review of the company's evaluation index. It is also possible to update the electronic bond recording institution registered in the basic information database.

FIG. 5 shows a data table of the electronic bond recording institution information DB (20233). In this data table, the recording institution ID (202331), institution name (20233) of the electronic bond recording institution, connection destination information (202333) when the intermediary system connects to each recording institution via the network (205), the intermediary system When sending information in the system to the recording organization, the data format information ID in which the data format requested by the recording organization is described is the electronic bond data format information (202334), settlement data format information (202335), and settlement completion data. Each format information (202336) is registered.
In the electronic bond recording institution information DB (20233), the brokerage system obtains information from the recording institution and registers it. The database system maintains the database each time a new recording agency is established or merged.

  FIG. 6 shows a data table of the accounts receivable management information DB (20234). In this data table, the debtor terminal ID (202342) registered in the debtor terminal ID (202322) of the debtor terminal basic information database corresponding to the creditor terminal ID (202341) from the creditor terminal each time the accounts receivable occurs. For each, an account receivable amount (202343), a sales date (202344), and a delivery number (202345) are registered. The accounts receivable management information DB (20234) registers information from the creditor terminal to the intermediary system at every time of accounts receivable or in batches.

  FIG. 7 shows a data table of the electronic bond management information DB (20235). In this data table, the intermediary system displays the information on accounts receivable for each obligor terminal ID (202342) of the obligor terminal ID (202341) of the accounts receivable management information database (20234) (the closing date of the obligor terminal basic information database (20232)). 202326) Payment due date (202327) Site days (202328) are combined to generate a receivable ID (202352), creditor terminal ID (202351), debtor terminal ID (202353), payment date ( 202354), settlement date (202355), amount (202356) that is the total value of the corresponding accounts receivable, registration date (202357) to the electronic bond recording institution designated as the registration destination in the debtor terminal basic information database (20232), Reference information of the obligor terminal given by the record institutional money upon completion of registration (2 02358). The reference destination information can take various forms depending on the means of transmission. In this embodiment, it is a URL.

  The transfer date (202359) when the brokerage system sent the details of the electronic claim as an invoice to the debtor terminal and the electronic information specified by the debtor terminal as the payee with reference to the information of the electronic claim registered by the electronic claim recording organization When the credit recording institution ID, the recording institution debtor terminal ID, and the approval flag (approval / non-approval) are input, the contents are sent from the electronic credit recording institution to the intermediary system, and the recording institution ID (20235510), recording institution The obligor terminal ID (2023511) and the approval flag (2023512) are recorded. Upon completion of settlement, settlement flag information (20443213) is sent and recorded as settlement completion information from the settlement electronic bond recording organization of the debtor terminal. In the electronic bond management information DB (20235), the brokerage system performs maintenance by using the closing date (202326) of the debtor terminal basic information database (20232) and the completion of approval / settlement of the debtor terminal as a trigger. This maintenance may be performed manually, and the broker system may output the closing date of the obligor terminal basic information database as a trigger and the approval / settlement completion of the obligor terminal on the mediation system side.

  FIG. 8 shows a data table of the electronic bond data format information DB (20236). In this data table, for each format ID (202361) corresponding to the electronic bond data format ID (202334) of the electronic bond recording institution information DB (20233), the recording institution creditor terminal ID (202362), bond ID (202363), debt Record terminal data ID (202364), amount (202365), due date (202366), and settlement date (202367) data record length and the order indicating the order are recorded. The electronic bond data format information DB (20236) performs maintenance each time the data specification of the recording institution is changed by the mediation system. Note that this maintenance may be performed manually, and a change in data specifications of the recording agency serving as a trigger may be output on the mediation system side.

  FIG. 9 shows a data table of the settlement data format information DB (20237). This data table is based on the payment information sent from the electronic bond recording institution where the electronic bond was registered several days before the payment date, and the brokerage system sends the payment information to the electronic bond recording institution designated by the debtor terminal. Reference when sending. Creditor terminal ID (202372) for each format ID (202371) corresponding to the settlement data format information (202335) of the electronic bond recording institution information DB (20233), electronic bond receivable ID (202373), and electronic bond from the debtor terminal Is the obligor terminal ID (202374), amount (202375), settlement date (202376) of the electronic bond recording organization for settlement registered in the electronic credit recording institution where the credit is registered, and the credit account information of the creditor terminal Record the record length of the institution code (202377) branch code (202378), account type (202379), account number (2023710) and the order indicating the order of arrangement. The settlement data format information DB (20237) performs maintenance each time the data specification of the recording institution is changed by the mediation system. Note that this maintenance may be performed manually, and a change in data specifications of the recording agency serving as a trigger may be output on the mediation system side.

  FIG. 10 shows a data table of the payment completion data format information DB (20238). In this data table, the settlement data is sent from the brokerage system to the electronic bond recorder for payment designated by the debtor terminal, and the payment completion data returned from the electronic bond recorder is returned to the brokerage system when the settlement is completed. For each format ID (202381) corresponding to the settlement completion data format information (202336) of the electronic bond recording institution information DB (20233), which is referred to when the electronic bond is transmitted to the electronic bond recording institution where the electronic bond is registered The creditor terminal ID (202382), electronic bond receivable ID (202383), debtor terminal ID (202384), and settlement completion flag (202385) are recorded in the order indicating the record length and the order of arrangement. The settlement completion data format information DB (20238) performs maintenance independently each time the mediation system changes the data specifications of the recording organization. Note that this maintenance may be performed manually, and a change in data specifications of the recording agency serving as a trigger may be output on the mediation system side.

FIG. 11 shows a data table of the registered company basic information DB (20431). In this data table, when registering the company attribute information of the creditor / debtor terminal in the electronic bond recording organization, the recording organization company ID (204311), company name (204312), contact information (204313), authentication information (204314) ), Agent information (204315), and settlement account information (204316). The registered company basic information DB (20431) is updated by the electronic bond recording organization whenever the company information is maintained. FIG. 12 shows a data table of the electronic bond original book information DB (20432). In this data table, when sending the registration information of the electronic bond from the brokerage system, the bond ID (2043211) of the electronic bond, the recording institution creditor terminal ID (204322), the debtor terminal ID (204323), the payment date (204324) ), Settlement date (204325) and amount (204326) are recorded, and the electronic bond recording organization records the registration date (204327) and reference destination information (204328).
When the debtor terminal refers to the information of the electronic bond based on the reference information and confirms it, the debtor terminal recording organization ID (204329), recording organization ID (20443210), and approval flag (20443211) are set. Enter and record. When the settlement is completed, the settlement flag (20443212) is sent from the mediation system and recorded. The data table of the electronic bond original book information DB (20432) is updated when access and data input from the brokerage system and the debtor terminal are performed.

FIG. 13 shows a processing flow from registration of the account receivable information from the creditor terminal of the embodiment to registration of the electronic bond information to the recording organization. Each database used in the flow diagram is the same as the configuration / name in FIGS.
Each flow will be described below. The creditor terminal processing unit (2012) is transferred from the network unit (2011) to the intermediary system network unit (2021) via the network (205) to the accounts receivable information (creditor terminal ID, debtor terminal company, amount, sales date, delivery) No) is sent (1301). The brokerage system processing unit (2042) registers the received accounts receivable information in the accounts receivable management information database (20234) (1302).

The brokerage system processing unit (2022) refers to the closing date information in the obligor terminal basic information DB (20232), and if the current day corresponds to the closing date, the previous processing of the obligor terminal information in the accounts receivable management information DB (20234) The details of the accounts receivable generated from the day to the current closing date are extracted, the sum is summed up, the credit ID is assigned, and the creditor terminal ID, bond ID, debtor terminal ID, The payment date, settlement date, and amount are registered (1303). Judgment of whether the current day is a closing date is made by the intermediary system acquiring date information (time at that time) and comparing it with the closing date information of the obligor terminal basic information DB. The previous processing date is specified by searching the history of electronic registration record receivable management information.
The brokerage system processing unit (2022) creates an invoice (FIG. 16) for each debtor terminal based on the information in the electronic bond management information DB registered as an electronic bond (1304). The brokerage system processing unit (2022) sends an invoice to the contact information of the obligor terminal in the obligor terminal basic information DB (20232) (1305). As a sending method, communication means such as mail, e-mail, and FAX can be considered.

The brokerage system processing unit (2022) searches the electronic bond data format ID in the electronic bond recording institution information DB (20233) based on the recording institution ID corresponding to the obligor terminal in the obligor terminal basic information DB (20232), Refer to the data format information in the electronic bond data format information DB (20236), sort the electronic bond information into the rank and record length shown in the format information for the electronic bond recording organization, and the data length is too long. If it is insufficient, it is adjusted with a space or the like to generate registration data (1307).
Electronic credit record corresponding to the creditor terminal in the creditor terminal basic information DB (20231) and the generated electronic bond information (recording institution creditor terminal ID, bond ID, debtor terminal ID, amount, payment date, settlement date) The authentication information (ID / password) of the agency representative is sent to the electronic bond recording organization (104/105) (1307).

  The electronic bond recording institution processing unit (2042) refers to the agent information in the registered company basic information DB (20431) through the electronic bond recording institution network unit (2041), authenticates the agent, and receives the received electronic bond information. The electronic receivables ledger information DB (20432) is registered with a receivable ID, a recording institution creditor terminal ID, a debtor terminal ID, a payment date, a settlement date, an amount, registration date and reference destination information (1308). Upon completion, the registration date and reference destination information are sent to the mediation system (1309). The mediation system processing unit (2022) records the received information in the electronic bond management information DB (20235) as the registration date and reference information destination information in the electronic bond management information DB (20235) (13010). The debtor terminal receives the bill information (13011).

FIG. 14 shows a processing flow when registering approval information from the debtor terminal of the embodiment and when registering correction information from the creditor terminal. Each database used in the flow diagram is the same as the configuration / name in FIGS.
The creditor terminal inputs the reference information described in the invoice and accesses the registered company basic information DB (20431) of the electronic bond recording organization (1401). Upon receiving the access, the electronic bond recording institution processing unit (2042) displays the electronic bond information in the electronic bond original book information DB (20432) indicated by the reference destination information (1402). The debtor terminal receives the displayed content (1403). In the case of transmitting approval information for approving the contents (1404), the obligor terminal recording institution ID that is the ID of the electronic bond recording institution (102, 103) that performs the settlement processing as the approval information, the obligor terminal ID of the recording institution -An approval flag is transmitted (1405). If this process is performed only for the first time when the electronic credit of the creditor terminal is registered for the first time, a function that is unnecessary from the next time can be considered.

  The electronic bond recording institution processing unit (2042) that has received the approval assignment information records the obligor terminal recording institution ID, recording institution debtor terminal ID, and approval flag in the electronic bond original ledger information DB (20432) (1406) to the brokerage system. Information is sent (1407). The brokerage system processing unit (2022) registers the accepted approval information (debtor terminal recording institution ID / recording institution debtor terminal ID / approval flag) in the electronic bond management information DB (20235) (1408).

  When the approval information is not transmitted (1404), the debtor terminal sends correction information such as the amount to the creditor terminal (1409), and the received creditor terminal (14010), the creditor terminal accesses the intermediary system to correct the electronic bond. Information is transmitted (14011). The brokerage system processing unit (2022) that has received the correction information records the correction content in the accounts receivable management information DB (20234) (14012), and the corrected electronic bond whose data format has been corrected to the corresponding electronic bond recording institution by the same procedure as described above. The information is sent (14015, 14016), and the electronic bond recording organization records it (14017). Further, the brokerage system processing unit (2022) sends the invoice containing the recorded modified electronic bond information to the debtor terminal (14013), and the debtor terminal receives it (14014).

FIG. 15 shows a processing flow until the final settlement of the electronic bond with the settlement date of the embodiment. Each database used in the flow diagram is the same as the configuration / name in FIGS.
The electronic bond recording institution processing unit (2042) is a creditor terminal ID / bond ID / recording institution debtor that is the payment information of the electronic bond whose settlement date comes several days before the settlement date of the electronic bond original book information DB (20432). The terminal ID, the amount, the settlement date, and the deposit account information of the creditor terminal are extracted (1501) and sent to the intermediary system (1502).

  Upon receiving the settlement information (1503), the mediation system processing unit (2022) identifies the electronic bond in the electronic bond recording institution information DB (20233) from the bond ID in the payment information, and formats the electronic bond recording institution information DB (20233). With reference to the settlement data format information in the settlement data format information DB (20237) from the ID, it is converted into the corresponding data format (1504), and this is transmitted to the desired electronic bond recording organization of the debtor terminal (1505).

  Having received the payment information (1506), the electronic bond recording organization (106) processing unit (2042) refers to the payment account information of the debtor terminal in the registered company basic information DB (20431) from the debtor terminal ID and describes it in the payment data. The funds are transferred to the received deposit account (1507), and settlement completion information (creditor terminal ID / creditor ID / obligor terminal ID / completion flag information) is transmitted to the intermediary system (1508).

  Receiving the payment completion information (1509), the brokerage system processing unit (2022) records the payment completion information in the payment information of the accounts receivable management information DB (20234) (15010), and the receivable ID for which payment has been completed From creditor terminal basic information DB (20231) and electronic bond recording institution information DB (20233) to search and refer to payment completion information data format of electronic bond recording institution from payment completion data format information DB (20238) The completion information is converted for the electronic bond recording organization (15011) and sent to the electronic bond recording organization (15012). The electronic bond record (104) institution processing unit (2042) that has received the payment completion information records the completion information in the payment completion flag of the corresponding electronic bond in the electronic bond original book information DB (20432) (15013).

Functional configuration diagram and simplified processing procedure Hardware configuration diagram Data table of creditor terminal basic information DB (20231) Data table of debtor terminal basic information DB (20232) Data table of electronic bond recording organization information DB (20233) Data table of the accounts receivable management information DB (20234) Data table of electronic bond management information DB (20235) Data table of electronic bond data format information DB (20236) Data table of settlement data format information DB (20237) Data table of settlement completion data format information DB (20238) Data table of registered company basic information DB (20431) Data table of electronic receivables ledger information DB (20432) Process flow diagram of Example 1 1 Processing Flow Diagram of Example 1 FIG. FIG. 3 shows a processing flow of the first embodiment. Invoice sent from the brokerage system to the debtor terminal

Explanation of symbols

101: Creditor terminal 102: Obligor terminal 1 of customer of creditor terminal
103: Obligor terminal 2 of customer of creditor terminal
104: Electronic bond recording organization 1 where electronic bonds are registered
105: Electronic bond recording organization 2 where electronic bonds are registered
106: Electronic bond recording institution 3 for which debtor terminal 1 wishes to settle
107: Electronic bond recording organization 4 for which debtor terminal 1 wishes to settle
108: Mediation system

Claims (6)

An electronic bond recording institution device that is used by each of multiple electronic bond recording institutions, and registers the electronic bond information indicating the contents of the claims generated based on the transaction between the creditor and the debtor. A plurality of electronic bond recording institution devices for effecting information as electronic receivables, the creditor terminal of the creditor and the debtor terminal of the debtor are connected via a network, and between the plurality of electronic bond recording engine devices In the mediation system that mediates,
A financial institution used by the creditor, and a first electronic claim recording institution included in the plurality of electronic claim recording institutions is registered in association with the creditor and the debtor, and the debtor's A registration means that is a financial institution to be used and registers a second electronic bond recording institution for redemption of the electronic bond information in association with the debtor;
Receivable information relating to the transaction transmitted from the creditor terminal, including information for identifying a creditor of the transaction, information for identifying a debtor of the transaction, and an account receivable amount of the transaction Receivable information receiving means for receiving receivable information;
An electronic bond information generating means for generating electronic bond information by aggregating the receivable amount of the received accounts receivable information by creditor and by debtor and by a specified period;
An electronic bond information conversion means for converting the electronic bond information into a format of a first electronic bond recording institution device of the first electronic bond recording institution;
Electronic bond information transmitting means for transmitting the converted electronic bond information to the first electronic bond recording institution apparatus;
Reference destination information transmitting means for transmitting reference destination information for referring to the transmitted electronic bond information to the debtor terminal;
When the debtor terminal that has received the transmitted reference destination information accesses the first electronic bond recording institution device based on the reference destination information and approves the electronic bond information, the first electronic bond Electronic bond settlement information receiving means for receiving electronic bond settlement information related to the settlement of the electronic bond transmitted from the recording institution apparatus;
An electronic bond settlement information converting means for converting the received electronic bond settlement information into a format of the second electronic bond recording institution apparatus;
An electronic bond settlement information transmitting means for transmitting the converted electronic bond settlement information to the second electronic bond recording institution apparatus;
Payment completion information reception for receiving payment completion information from the second electronic bond recording institution device when the payment is completed in the second electronic bond recording institution device based on the transmitted electronic bond payment information An intermediary system comprising: means. In the mediation system according to claim 1,
The registration means registers the electronic bond recording institution device transmitted from the debtor terminal that has received the reference information at the time of the approval as the second electronic bond recording institution. Mediation system. In the mediation system according to claim 1,
The registration means registers a monthly closing date of accounts receivable, set for each debtor terminal by the creditor terminal,
The intermediary system is characterized in that the electronic bond information generating means totals accounts receivable generated between the closing date and the closing date of the previous month on the closing date of the current month. In the mediation system according to claim 1,
The registration means is set by the creditor terminal for each debtor terminal, the monthly closing date of the accounts receivable, the payment date that is the date of payment of the electronic bond issued to the debtor terminal after the closing date, and the settlement date And register the number of days of the site, which is the number of days of electronic receivables,
The brokerage system, wherein the electronic bond information generating means generates electronic bond information including a due date obtained by adding the number of site days to the due date as a due date. In the mediation system according to claim 1,
The registration means registers authentication information of a representative of the electronic bond recording agency device corresponding to the creditor terminal,
The intermediary system characterized in that the electronic bond information transmitting means transmits the electronic bond information and authentication information of the agent. In the mediation system according to claim 1,
The registration unit registers an evaluation index value indicating a creditworthiness of a company corresponding to the debtor terminal and the first electronic bond recording institution specified based on the evaluation index value. Mediation system.

Images